Originally Posted by Nick911sc

If the other driver is indeed at fault, your agent should fight for you to make sure the claim is paid through the other drivers policy. If not, a claim can be put in with your company and Progressive should go after their company in order to indemnify themselves for the payout (including your deductible depending on the % of fault). The term for this is Subrogation. If you want you can point it out to your agent using the Progressive website lolUnderstanding Insurance - What Is Subrogation?